The Budget App That Doesn’t Want Your Email. Free, offline, and encrypted on your phone.

100% free with all features unlocked — budgets, transactions, goals, loans, the works. Ads keep it free. Want them gone? One payment, ads disappear forever. No subscriptions. No tricks.

AES-256 encryption locks everything on your device. No servers. No accounts. No sign-ups. Your data never leaves your phone unless you choose encrypted Google Drive backup — and even then, it’s encrypted before upload.

Yes. Your finances are tracked entirely on your phone — transactions, budgets, reports, everything — with no account and no sync. Four things do use the internet: ads on the free tier, optional cloud backup, the exchange rate when you enter a second currency, and a one-time font download the first time you export a Chinese, Japanese or Korean PDF. Ads and cloud backup you can turn off; the other two only happen if you use those features.

You can clear all your data from Settings > Data Management > Delete All Data inside the app. Since we don't store anything on remote servers, deleting data from your device removes it permanently. For GDPR/legal deletion requests, visit our Delete Your Data page.

Budget Lock supports 50 languages and automatically adapts to your device's language setting. You can also change the language manually in app settings.

Budget Lock is a free budget app for Android with all features unlocked — expense tracking, multi-account management, budget planning, savings goals, loan & EMI tracking, bill reminders, and PDF reports. It works 100% offline with AES-256 encryption, supports 50 languages and 50+ currencies, and requires no subscription or sign-up.

Yes. Budget Lock is a fully offline budget app that works without any internet connection. All expense tracking, budget planning, savings goals, and financial reports work entirely on your device. The only optional online features are Google Drive backup and ads.

Yes. Budget Lock includes a full loan and EMI tracker. You can add personal loans, home loans, car loans, and credit card debt with interest rates and tenure. The app calculates amortization schedules, shows interest vs. principal breakdowns, and tracks your exact payoff date.

No. Budget Lock is completely free with no subscription required. All core features — budgets, expense tracking, savings goals, loan management, bill reminders, reports — are available at no cost. The app shows non-intrusive ads which can be removed permanently with a one-time purchase.

Budget Lock is 100% offline and free — no subscription, no bank linking, no forced cloud account. Your data stays encrypted on your device with AES-256 encryption. It offers budget tracking, expense management, savings goals, loan & EMI tracking, and 50 language support without requiring an account or internet connection.

Budget Lock makes it easy to start budgeting even with zero experience. The app comes with ready-made spending categories, guided budget setup, and a simple 3-second transaction logger. Just download, set your monthly income, and start tracking — no learning curve needed.

Learn more: How to Create a Monthly Budget →

The 50/30/20 rule splits your income into 50% needs, 30% wants, and 20% savings. Budget Lock lets you create custom budget categories that match this rule or any budgeting method you prefer — including zero-based budgeting and envelope budgeting.

Learn more: The 50/30/20 Budget Rule →

Open Budget Lock, tap the + button, enter the amount, pick a category, and save. It takes 3 seconds. You can also use the home screen widget to log expenses without even opening the app. Every transaction is stored offline with AES-256 encryption.

Learn more: How to Track Expenses →

Yes. Add each family member as a spender, give them a monthly spending limit, and tag transactions to whoever spent the money. Budgets are set by category and accounts can be split by person, so household spending is tracked in one vault on one device. Budget Lock is a single-device app: there is no multi-user login and no syncing between phones.

Budget Lock is built for privacy. It uses AES-256 encryption, works 100% offline, requires no account or sign-up, and keeps your financial records off remote servers. Your financial data never leaves your phone unless you opt into encrypted cloud backup.

Yes. You can add credit card accounts, track utilization, monitor spending limits, and set payment reminders. The app shows outstanding balances, payment due dates, and helps you avoid interest charges by keeping all your credit card data organized in one place.